The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$54,822
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,527
−HK$1,732/mo
Today · 4.125%
HK$58,259
baseline
▲ 0.50% · 4.625%
HK$61,804
+HK$3,545/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$116,518/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,989
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,624
−HK$1,660/mo
Today · 4.125%
HK$64,284
baseline
▲ 0.50% · 4.625%
HK$67,672
+HK$3,388/mo
Deposit HK$12.02M · loan HK$12.02M · min. income ≈ HK$128,568/mo (50% DSR)
Upfront cash ≈ HK$13.04M (deposit + AVD stamp duty HK$1,021,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,786
−HK$4,125/mo
▼ 0.25% · 3.875%
HK$67,832
−HK$2,079/mo
Today · 4.125%
HK$69,911
baseline
▲ 0.50% · 4.625%
HK$74,165
+HK$4,254/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$139,822/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,186
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$75,149
−HK$1,991/mo
Today · 4.125%
HK$77,140
baseline
▲ 0.50% · 4.625%
HK$81,206
+HK$4,066/mo
Deposit HK$9.62M · loan HK$14.43M · min. income ≈ HK$154,280/mo (50% DSR)
Upfront cash ≈ HK$10.64M (deposit + AVD stamp duty HK$1,021,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,750
−HK$4,813/mo
▼ 0.25% · 3.875%
HK$79,138
−HK$2,425/mo
Today · 4.125%
HK$81,563
baseline
▲ 0.50% · 4.625%
HK$86,526
+HK$4,963/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$163,126/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,384
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$87,674
−HK$2,323/mo
Today · 4.125%
HK$89,997
baseline
▲ 0.50% · 4.625%
HK$94,741
+HK$4,744/mo
Deposit HK$7.21M · loan HK$16.83M · min. income ≈ HK$179,994/mo (50% DSR)
Upfront cash ≈ HK$8.23M (deposit + AVD stamp duty HK$1,021,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,679
−HK$6,188/mo
▼ 0.25% · 3.875%
HK$101,748
−HK$3,119/mo
Today · 4.125%
HK$104,867
baseline
▲ 0.50% · 4.625%
HK$111,248
+HK$6,381/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$209,734/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,779
−HK$5,931/mo
▼ 0.25% · 3.875%
HK$112,724
−HK$2,986/mo
Today · 4.125%
HK$115,710
baseline
▲ 0.50% · 4.625%
HK$121,810
+HK$6,100/mo
Deposit HK$2.40M · loan HK$21.64M · min. income ≈ HK$231,420/mo (50% DSR)
Upfront cash ≈ HK$3.43M (deposit + AVD stamp duty HK$1,021,780 · Scale 2, in force from 26 Feb 2026)